LOAN OFFER
Thank you,Karen

I've had two late payments in the past year...can I not refinance?
Late payments kill the deal!

If my husband and I are about to divorce should we wait to refinance?
If you have already filed for separation, you will not be able to refinance until your divorce is final. Those final papers determine how assets are divided etc.

how long do i have to wait to get a mortgage after filing for bankruptcy?
What type of bankruptcy was it? Chapter 7 or 13? We would be able to tell a lot more if we could see your bankruptcy papers. It's 2 years after Chapter 7 BK and 3 years after foreclosure. Chapter 13 can be done right away.

Just got married and have bad credit but my wife has good credit. What do I do?
Have you had anyone look at cleaning up your credit?